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	buying a home? Home Buying, Credit, & Financial Literacy concerned about your credit?


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Home Buying, Credit, & Financial Literacy

Fair housing laws apply to the purchase of real estate, just as it does to rentals and home insurance. Sales agents, lenders, appraisers, owners, homeowners associations (including condo associations and floating or manufactured home park owners and managers) all must comply with fair housing laws.

At the Fair Housing Council (FHCO), we're not only interested in protecting fair housing rights in purchase transactions, but also in educating housing consumers and expanding homeownership for all regardless of race, color, national origin, religion, gender, familial status, disability, marital status, source of income, etc. in accordance with the letter and spirit of federal, state, and local fair housing laws.

Hence the purpose of these Home Buying pages of the FHCO.org website. Follow the links below that interest you.

1. OWNERSHIP RESOURCES

There are numerous resources across Oregon and SW Washington for homebuyers ranging from education to grants and assistance funds. Scroll through a long list of programs to see what may be of benefit.

2. SAMPLE INTERACTIVE SALES FORMS

What you need to know about: standard loan applications
What you need to know about: HUD1 settlement statements

Both links above include useful information about credit histories, avoiding bankruptcy, and other financial resources of value to one considering a home purchase.

3. CREDIT & FINANCIAL LITERACY

At the Fair Housing Council of Oregon we believe that financial literacy is a key for individuals to be successful active members our society and make informed, responsible choices as consumers. Read more...

4. PREDATORY LENDING

FHCO's Predatory Lending Handout
www.FHCO.org/pdfs/PredLendingFHCO.pdf
To view this document in other languages visit www.FHCO.org/Translations.htm
Preventing and Responding to Senior Financial Abuse in Oregon
www.FHCO.org/pdfs/finabuse_eng.pdf
Oregon Dept. of Consumer and Business Services' Division of Finance and Corporate Securities
http://dfcs.oregon.gov
Shopping for a Mortgage? Do Your Homework First
www.FHCO.org/pdfs/shoping_mortgages.pdf

5. FORECLOSURE PREVENTION RESOURCES

Avoid foreclosure: You can avoid it
www.FHCO.org/pdfs/ForeclosureYouCanAvoidItBrochure.pdf
Avoid foreclosure scams: Watch out for offers to help you save your house and avoid foreclosure!
http://dfcs.oregon.gov/ml/foreclosure/foreclosure_fraud.html
Are You Having Problems Paying Your Mortgage? Learn How to Avoid Foreclosure and Keep Your Home
www.FHCO.org/pdfs/problems_paying_mortgage.pdf
Avoiding Foreclosure: Act now – help is available!
www.FHCO.org/pdfs/avoiding_foreclosureENG.pdf
Tips for Avoiding Mortgage Modification Scams and Foreclosure Rescue Scams
www.FHCO.org/pdfs/tips_avoid_foreclosure.pdf
Foreclosure Rescue Scams: Another Potential Stress for Homeowners in Distress
www.FHCO.org/pdfs/foreclosure_rescure_scams.pdf
A Note to Homeowners
www.FHCO.org/pdfs/note_to_homeownersENG.pdf
Free Foreclosure Prevention Information Sessions
http://haciendacdc.org/programs/homepreservation.html


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HousingConnections.org has been providing service to the Portland / Vancouver market completely free of charge since 2002. Help us build the region's best local housing resource - check it out and tell a friend today!

Search for a home to buy or rent at www.HousingConnections.org!
Search by price, size, ammenities as well as by school district, neighborhood, address, and much more.

Need help with the your search? Contact the Buyer / Renter Tech Line at staff@housingconnections.org or 503/802-8562. Learn more about HousingConnections.org here.


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Not ready to purchase yet?

Visit our Preparing to Rent pages for helpful tools and resources.


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Interested in helping stop Housing Discrimination?

Click to learn about becoming a Fair Housing Tester.

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	"Thank You" The FHCO would like to thank our partners and members for their support. Their grants and contributions have helped to make the resources on this site possible. Please join them in our efforts!

If you have a fair housing question, or to report a fair housing complaint, please call 503/223-8197 Ext. 2 or 800/424-3247 Ext. 2 (TTY and translation available). Alternatively, you may call HUD at 800/877-0246.

Service Area:
Office Location:
Contact:

Oregon and Southwest Washington
506 SW Sixth, Suite 1111, PORTLAND OR . 97204
information@FHCO.org .| .503/223-8295 .| .Hotline 800/424-3247 Ext. 2

The work that provided the basis for this publication was supported by funding under a grant with the U.S. Department of Housing and Urban Development. The substance and findings of the work are dedicated to the public. The author and the publisher are solely responsible for the accuracy of the statements and interpretations contained in this publication. Such interpretations do not necessarily reflect the views of the Federal Government.